top of page

The 6 C's of Commercial Lending

Updated: Apr 26, 2022

In Commercial Lending, bankers from around the world use the 6 Cs of commercial mortgage lending to help in determining the eligibility of commercial loan application packages. Some non-bank lenders, private lenders, venture capitalists and hard money lenders may also refer to the 6 C's as well. Therefore, make sure you have your presentation fully ready when you go to apply for a loan.

The 6 C's of commercial lending are:


Company’s capitalization, reserves, statement, net worth, etc.


Borrowers should demonstrate the ability to repay the loan.

Cash flow:

Borrowers should show a debt-service-coverage ratio of at least 1.30 and above


Borrower's character, integrity and professionalism. ​Condition:

Business analysis and valuation, as well as a feasibility study of competition and the marketplace.


Borrowers should provide a strong collateral consideration and other securities.

3 views0 comments


Oceniono na 0 z 5 gwiazdek.
Nie ma jeszcze ocen

bottom of page